Buying your dream home or refinancing in Kentucky, Florida, Indiana, Colorado, and Tennessee begins with finding the right type of mortgage.
We are dedicated to making sure that every borrower who contacts us can discover what they need to achieve their financial goals.
That is why we offer a broad selection of mortgage products including popular loan types like conventional and FHA loans as well as specialized products like bank statement loans and certified divorce lending.
We Offer These Types of Mortgages in Louisville and Beyond
Conventional
With a conventional mortgage, you can choose an adjustable or fixed rate. Down payments for conventional conforming loans can be as low as 3%.
VA Loans
Veterans, active-duty service members, and eligible surviving spouses may purchase a home with zero down using a VA mortgage. With insurance from the Department of Veterans Affairs, this government-backed loan features flexible qualifications and affordable rates. Another great feature is no PMI.
FHA Loans
Another government-backed loan program with flexible credit qualifications is the FHA mortgage program through the Federal Housing Administration. Down payments as low as 3.5% and affordable rates make this program attractive to first time and returning homebuyers.
FHA 203k Loans
This type of FHA loan lets you bundle together a mortgage to purchase a home and renovate it.
USDA Loans
For borrowers purchasing a home in a rural area, the USDA loan program backed by the US Department of Agriculture opens the door to zero down homeownership with competitive rates.
Jumbo
If you need to borrow more money than you can using a conforming loan, a non-conforming jumbo loan can help you move into your dream home.
Reverse Mortgage
Borrow against the equity in your home to enhance your income during retirement. You have complete control over how you use your funds.
First Time Home Buyer
If you are shopping for your first home, we can walk you through every step of the process and help you identify which type of mortgage is right for you.
Certified Divorce Lending
If you are undergoing a divorce, it is important to work with a Certified Divorce Lending Professional (CDLP) to help you navigate the mortgage, legal, and tax implications of a divorce. We can help you identify obstacles and solutions that a regular mortgage professional might miss.
Investment Property
Invest in real estate in FL or KY with a competitive mortgage that maximizes your ROI. We close fast so you can move on hot properties before your competitors do.
Bank Statement Loans
Are you self-employed, or do you own your own business? For borrowers without a W-2, we offer bank statement loans for an easy alternative.
How Do You Choose the Right
Type of Mortgage?
How do you know what type of home loan is right for your needs? We suggest you assess the same factors that we do:
- Your income
- Your employment status and history
- Your credit score
- Your debt-to-income ratio
- Your ability to make a down payment
- Your veteran status
- The location where the house will be located
- Your assets
- How long you plan to live in the home you are purchasing
See What Our Clients Are Saying About Us!
Sylvie A.
14:29 07 Jun 23
American Mortgage Solutions is amazing. They always answer the phone and do a great job of explaining everything in a way that makes it easy to understand. For anyone looking for a mortgage, I highly recommend AMS.
Michelle F.
15:40 19 Apr 23
Tara did amazing job helping me and my buyers close on their new home. It wasn't an easy situation with the buyers, but Tara put in the extra work and went the extra mile to get them approved and closed on time. She was responsive, receptive and so easy (and fun) to work with! I look forward to working with her more in the future.
Sarah J.
18:25 17 Apr 23
Tara King was amazing! She and her team were able to pick up a contract 2 weeks in, deal with unusual circumstance, and get it closed... early to boot! Amazing job. 👏Thank you Tara🧡-Sarah Johnson, REALTOR
Gary D.
18:04 17 Apr 23
Huge thanks to Tara King for working her magic to get me into my new home!! Her and her team worked like champs to get me to closing in lightning speed!!! So grateful!!
Justin
17:26 13 Apr 23
Crystal R.
17:30 30 Nov 22
Carli S.
18:47 28 Nov 22
Kris was wonderful! She went above and beyond for us. we couldn't be more thankful
Scott C.
14:56 28 Nov 22
American Mortgage was extremely helpful and and got me taken care of immediately. They are the best!
Naomy S.
17:59 23 Nov 22
Travis Egan was great! I was a first time home buyer and he explained everything in great detail and answered any questions I had. I definitely recommend AMS!
Gary M.
17:13 23 Nov 22
Travis and American Mortgage Solutions financed the purchase of my daughter's home in KY. The process was smooth and all communications were very timely. It went so well that I had them do a re-finance on my home in FL.
adam M.
17:21 08 Nov 22
We have used them multiple times and Brady and his team have always be n the best. We wouldn’t go anywhere else!
Wendy T.
18:12 30 Aug 22
Travis Egan with American Mortgage Solutions made the home buying process extremely easy. Any questions I had, he was right there to answer them in a way that made complete sense. I would recommend Travis and his team 100 times over.
Sandra M.
21:31 11 Aug 22
Travis, and everyone involved with the loan process, has been very responsive and supportive. I can recommend American Mortgage Solutions unconditionally. This company exceeded my expectations.
Miguel B.
17:14 14 Jul 22
I have to say, I've been working with Jennifer Meinecke and she is absolutely amazing! Very Professional, knowledgeable and helpful. I just want to tell Hern thank you so much for all you do! I will continue working with you!
Ashley V.
23:21 01 Jul 22
We had a great experience with this company! Kerie is amazing and was so helpful throughout the whole process. Buying a home is an overwhelming experience, especially as a first time home buyer, but they made the experience so seamless! Would definitely recommend!
Railey C.
21:43 22 Jun 22
Kris is not only very professional during the entire process, she also made it easy and stress free for us! She was so helpful, and her attitude is always positive and upbeat! I would recommend this company looking to purchase a home! Whenever something needed done, Kris was two steps ahead tackling it!
Mike H.
19:58 12 Jun 22
American Mortgage Solutions was everything you would want for the process - responsive and timely with communication, technically strong with great advice in finding the structure that worked best for us, and accurate/reliable in executing the full process.A very positive experience.
Mikayla M.
15:27 07 Jun 22
I worked with Kris Raines during my homebuying experience and she was amazing to say the least! She took so much stress off of the whole process and really made it as easy as possible. She was very responsive very kind and very informative. I highly recommend working with her as she will make the process as smooth as possible for you. I felt she took very good care of me as a client she kept me informed of where we were at in the process as well as prioritized any questions I had and got back to me very quickly. I have three kids two dogs and was moving cross country from Washington to Florida so a lot going on. Kris took so much weight off of moving from me. I can’t thank her enough which is why writing this review because it’s the least I could do. If you are in the process of buying a home or looking to buy a home please get in contact with her because you will have an amazing experience!
Steven H
16:01 26 May 22
Jeremy F.
18:07 24 May 22
American Mortgage Solutions has the best customer service. They make the mortgage loan process easy and comfortable. Five Stars!
candace S.
16:45 13 Apr 22
Very helpful and detailed on everything!! Super friendly
cindy C.
19:15 12 Apr 22
Easiest process I have every been through-Thank you
Janet B.
21:09 11 Apr 22
We have had 3 contracts , first one fell through because it did not pass inspection, 2nd one was new construction that fell way behind and the 3rd one was our perfect home. Travis was there through all the ups and downs. He was always available to answer any questions we had.Danielle was our loan processor, she walked us through all the things we needed to get together. She would communicate with us and answer any questions we had.I would recommend Travis and Danielle to anyone, family and friends. This was by far the best experience in buying property that we have had in the last 30 years.Professional and friendly, the best.
Joanna E.
15:17 07 Apr 22
Every bank told me they couldn’t help me refinance because I hardly had any credit score due to not using credit cards but this business got me approved immediately and now my credit score is well over 700. I highly recommend!
Barbara D.
13:21 07 Apr 22
James L.
18:14 25 Mar 22
Travis was very professional and courteous.
Kylie N.
22:34 24 Mar 22
I loved working with Jennifer Meinecke! She was so helpful, friendly and knowledgeable! I highly recommend working with her and this company!
Virginia B.
00:13 24 Mar 22
Can I share with you what a great company this is!!! Jennifer Meinecke is so sweet and hands down the one I would recommend. She actually cares about you and your needs which is phenomenal!!! It’s hard to find an honest person to really put your trust in, but I will be definitely using her knowledge and help again and refer EVERYONE I know to her!! Thank you for being so awesome at what you do, it shows!!
D W.
14:27 23 Mar 22
Jennifer Meinecke helped our daughter and son-in-law purchase their home. She was very friendly and diligent. She was helpful to make sure any issue was resolved quickly.
Jonathan C.
15:22 22 Mar 22
Helped me with my first mortgage. Easy to work with.
Apply Now for a Mortgage
in Kentucky or Florida
On your own, it can be a challenge to identify the ideal type of home loan. But with American Mortgage Solutions on your side, it can be fast and easy to find the right mortgage.
To schedule your consultation and find a suitable home loan today, please give us a call at (502) 327-9770 in Kentucky or at (239) 766-8344 in Florida. We are also licensed in Tennessee, Indiana and Colorado.
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American Mortgage Solutions is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. For information directly from HUD/FHA, visit https://www.hud.gov/guidance For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/ For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS